What is PIP insurance in Florida?
Florida is a no-fault state. Most registered vehicles must carry personal injury protection — $10,000 — along with $10,000 in property damage liability.
"No-fault" means your own insurer pays first, regardless of who caused the crash. You don't wait for a fault determination to get medical care covered.
What it pays: 80 percent of reasonable and medically necessary medical expenses, and 60 percent of lost gross income, up to a combined $10,000 limit. There's also a death benefit.
What it doesn't pay: pain and suffering, the remaining 20 percent of medical bills, the remaining 40 percent of wages, or property damage to your vehicle.
The two conditions that limit it. Care must begin within 14 days. And the full $10,000 requires an emergency medical condition determination — without one, medical benefits cap at $2,500.
What Florida doesn't require is bodily injury liability coverage in most circumstances, which is why so many at-fault drivers can't cover the harm they cause.
It's a floor, not a solution. Know what it doesn't cover before you need it. ---
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